How long has it been since the last time you looked for low-cost Volkswagen CC insurance in Oklahoma City? Searching for cheap Oklahoma City Volkswagen CC insurance quotes on the web can be somewhat difficult for consumers not familiar with buying their car insurance on the web. With literally dozens of insurers available, how can anyone be able to compare every company in order to find the cheapest available price?
Steps to saving on Volkswagen CC insurance in Oklahoma City
If saving the most money is your goal, then the best way to save money on Volkswagen CC insurance is to make a habit of regularly comparing prices from insurers that sell auto insurance in Oklahoma City.
Step 1: Learn about how car insurance works and the measures you can control to keep rates down. Many policy risk factors that increase rates such as at-fault accidents, careless driving, and a low credit rating can be controlled by making lifestyle changes or driving safer. Keep reading for instructions to lower rates and find available discounts that you may qualify for.
Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from a single company like GEICO or Allstate, while independent agents can quote prices from multiple companies.
Step 3: Compare the new rate quotes to your existing coverage to see if you can save by switching companies. If you can save money and make a switch, verify that coverage does not lapse between policies.
Step 4: Provide notification to your current company of your intention to cancel the current policy and submit the signed application along with the required initial payment for your new policy. Immediately upon receiving it, put the certificate verifying coverage above your visor, in the console, or in the glove compartment.
An essential thing to point out is to compare the same level of coverage on each quote request and and to get rate quotes from as many companies as possible. This ensures an accurate price comparison and and a good selection of different prices.
It’s a fact that insurance companies want to keep you from comparing prices. Consumers who shop around once a year will, in all likelihood, switch to a new company because of the good chance of finding a lower-priced policy. A study showed that consumers who compared rates regularly saved on average $860 a year compared to policyholders who never shopped around for lower prices.
If finding budget-friendly rates on Volkswagen CC insurance is your intention, then having some insight into how to get free comparison quotes and analyze car insurance can help make the process easier and more efficient.
Consumers should take time to price shop coverage before your next renewal since rates are adjusted regularly by insurance companies. Just because you found the best deal on Volkswagen CC insurance in Oklahoma City a year ago there is a good chance you can find better prices now. Block out anything you think you know about car insurance because you’re about to learn one of the best ways to remove unneeded coverages and save money.
Lower-cost Volkswagen CC insurance quotes in Oklahoma City
Properly insuring your vehicles can get expensive, but there may be some discounts to cut the cost considerably. Certain discounts will be applied when you get a quote, but less common discounts must be requested specifically before they will apply. If you’re not getting every credit you qualify for, you’re just leaving money on the table.
- ABS Brakes – Cars with anti-lock braking systems are safer to drive so companies give up to a 10% discount.
- Active Military Service – Being on active deployment in the military could trigger a small discount.
- Seat Belts Save – Drivers who require all vehicle occupants to buckle up may be able to save a few bucks off the personal injury premium cost.
- Theft Deterrent Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems prevent vehicle theft so companies will give you a small discount.
- Policy Bundle Discount – When you have multiple policies with the same company you could earn a discount of approximately 10% to 15%.
- Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts can get savings of up to 25% or more.
- Waiver for an Accident – This one isn’t a discount, but companies like Allstate and GEICO will turn a blind eye to one accident before they charge you more for coverage with the catch being you have to be claim-free prior to the accident.
- Multiple Vehicles – Buying a policy with primary and secondary vehicles with the same insurance company could earn a price break for each car.
It’s important to note that most discount credits are not given to the whole policy. Some only reduce individual premiums such as comp or med pay. So even though they make it sound like all those discounts means the company will pay you, companies don’t profit that way.
The chart below illustrates the difference between Volkswagen CC car insurance costs with and without discounts applied to the policy premium. The prices are based on a male driver, no accidents, no driving violations, Oklahoma state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, multi-car, claim-free, safe-driver, and homeowner discounts applied.
If you would like to choose from a list of companies offering insurance discounts in Oklahoma City, click here to view.
To get affordable Volkswagen CC insurance quotes, there a variety of ways to compare rate quotes from lots of Oklahoma insurance companies. By far the easiest way to comparison shop is to get quotes online.
When comparing insurance rates, know that more quotes helps increase your odds of locating a better price.
The following companies offer comparison quotes in Oklahoma. If multiple companies are listed, we recommend you get price quotes from several of them in order to find the most affordable rates.
Volkswagen CC insurance rates and statistics
The premium table displayed below covers detailed analysis of insurance premium costs for Volkswagen CC models. Having knowledge of how auto insurance premiums are determined can help customers make decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CC Sport 4-Dr Coupe | $496 | $822 | $588 | $34 | $176 | $2,116 | $176 |
| CC Luxury 4-Dr Coupe | $496 | $822 | $588 | $34 | $176 | $2,116 | $176 |
| CC VR6 Sport 4-Dr Coupe | $554 | $946 | $588 | $34 | $176 | $2,298 | $192 |
| CC VR6 Motion 4-Dr Coupe | $554 | $946 | $588 | $34 | $176 | $2,298 | $192 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Price estimates do not factor in garaging location in Oklahoma City which can raise or lower price quotes considerably.
Rate comparison for different deductibles
When comparing insurance rates, the most common question is how low should you set your deductibles. The tables below can help you visualize how much more you’ll pay between high and low policy deductibles. The first rate estimation uses a $100 deductible for physical damage and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CC Sport 4-Dr Coupe | $436 | $822 | $448 | $26 | $134 | $1,891 | $158 |
| CC Luxury 4-Dr Coupe | $436 | $822 | $448 | $26 | $134 | $1,891 | $158 |
| CC VR6 Sport 4-Dr Coupe | $486 | $946 | $448 | $26 | $134 | $2,065 | $172 |
| CC VR6 Motion 4-Dr Coupe | $486 | $946 | $448 | $26 | $134 | $2,065 | $172 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CC Sport 4-Dr Coupe | $318 | $554 | $448 | $26 | $134 | $1,480 | $123 |
| CC Luxury 4-Dr Coupe | $318 | $554 | $448 | $26 | $134 | $1,480 | $123 |
| CC VR6 Sport 4-Dr Coupe | $354 | $638 | $448 | $26 | $134 | $1,600 | $133 |
| CC VR6 Motion 4-Dr Coupe | $354 | $638 | $448 | $26 | $134 | $1,600 | $133 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Information does not factor in your specific Oklahoma City location which can revise premium rates noticeably.
Using the premium rates above, we can conclude that using a $100 deductible will cost you roughly $37 more each month or $444 annually across all Volkswagen CC models than opting for the higher $500 deductible. Since the policyholder would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to average at least 11 months between claims, you would most likely save money going with the higher deductible.
How to determine if a higher deductible is a good idea
| Average monthly premium for $100 deductibles: | $165 |
| Average monthly premium for $500 deductibles (subtract): | – $128 |
| Monthly savings from raising deductible: | $37 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $37 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 11 months |
The chart below illustrates how your choice of deductibles and can change Volkswagen CC insurance costs for different insured age categories. The premiums are based on a married female driver, full physical damage coverage, and no policy discounts are applied.
Full coverage versus liability only rates
The information below shows the difference between Volkswagen CC auto insurance rates with full physical damage coverage and with liability coverage only. The data is based on no violations or claims, $250 deductibles, marital status is single, and no other discounts are factored in.
When to eliminate full coverage
There is no written rule that is best for determining when to drop physical damage coverage, but there is a broad guideline. If the yearly cost of full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.
For example, let’s assume your Volkswagen CC replacement value is $3,000 and you have $1,000 deductibles. If your vehicle is severely damaged, you would only receive $2,000 after you pay the deductible. If you are currently paying more than $200 annually for full coverage, then you may want to consider only buying liability coverage.
There are some cases where only buying liability is not recommended. If you have an outstanding loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.
Can’t I get rate quotes from local Oklahoma City insurance agents?
Many people still prefer to buy from a licensed agent and that is a smart decision The best thing about comparing rate quotes online is you may find better rates and also buy local.
After completing this short form, your coverage information is instantly submitted to companies in Oklahoma City that provide free Oklahoma City car insurance quotes for your insurance coverage. It makes it easy because there is no need to contact any insurance agencies because quoted prices will be sent immediately to you. Get lower rates without having to waste a lot of time. If you need to compare rates from a specific insurance provider, don’t hesitate to visit that company’s website to submit a rate quote request.
Deciding on an company should depend on more than just the premium amount. These are some questions your agent should answer.
- Do the agents have professional certifications like CPCU or CIC?
- How much experience to they have in personal lines coverages?
- How long has their agency been in business in Oklahoma City?
- Do they get paid more for recommending certain coverages?
- Does the agency provide any after hours assistance?
- Is there a Errors and Omissions policy in force?
Not all auto insurance agents are the same
When finding a reliable agent, there are two different agency structures from which to choose. Agents in Oklahoma City are either independent agents or exclusive agents depending on their employer.
Exclusive Insurance Agents
Agents that choose to be exclusive normally can only provide a single company’s rates such as Allstate, Farmers Insurance or State Farm. They are unable to provide rate quotes from other companies so always compare other rates. Exclusive agents are well schooled on their company’s products which helps offset the inability to provide other markets. Some people will only purchase coverage from exclusives mainly due to the brand name and strong financial ratings.
The following are exclusive insurance agents in Oklahoma City willing to provide comparison quotes.
- Kevin Murphy – State Farm Insurance Agent
1707 S Morgan Rd – Oklahoma City, OK 73128 – (405) 265-2500 – View Map - Charles Reagan – State Farm Insurance Agent
5001 N Pennsylvania Ave #305 – Oklahoma City, OK 73112 – (405) 840-3731 – View Map - Tony Brummitt – State Farm Insurance Agent
9509 N Council Rd – Oklahoma City, OK 73162 – (405) 721-1423 – View Map
Independent Agents
Agents in the independent channel are not employed by any specific company so they can quote policies through many companies and get the cheapest rates. To transfer your coverage to a different company, the business is moved internally which requires no work on your part.
When shopping rates, you should always contact independent agents to maximize your price options. Most have the option of insuring with lesser-known insurance companies that many times have cheaper rates.
Listed below is a short list of independent insurance agencies in Oklahoma City that are able to give comparison quotes.
- Courtesy Insurance Agency
324 W Hefner Rd – Oklahoma City, OK 73114 – (405) 755-4571 – View Map - Chris Baxter – Above All Insurance
3632 NW 21st St – Oklahoma City, OK 73107 – (405) 604-8060 – View Map - Perimeter Insurance
4200 Perimeter Center Dr – Oklahoma City, OK 73112 – (405) 778-8880 – View Map
After getting acceptable answers for all questions you ask and an affordable coverage quote, it’s possible that you found an insurance agent that can be trusted to properly insure your vehicles.
Oklahoma auto insurance companies
Finding the best auto insurance company can be challenging considering how many different companies there are to choose from in Oklahoma City. The rank data shown below can help you decide which insurers to look at comparing rate quotes with.
Top 10 Oklahoma City Car Insurance Companies by A.M. Best Rank
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Top 10 Oklahoma City Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Quote often and quote early
We just showed you quite a bit of information on how to find cheap Volkswagen CC insurance in Oklahoma City. The key thing to remember is the more you quote Oklahoma City car insurance, the better likelihood of getting low cost Oklahoma City car insurance quotes. Consumers may even find the lowest premium rates are with a smaller regional carrier.
Insureds switch companies for a number of reasons such as an unsatisfactory settlement offer, policy cancellation, high rates after DUI convictions and lack of trust in their agent. Regardless of your reason, finding a great new company can be easier than you think.
When searching for affordable Oklahoma City car insurance quotes, do not skimp on critical coverages to save a buck or two. In many instances, an insured cut liability coverage limits and found out when filing a claim that they should have had better coverage. The proper strategy is to purchase a proper amount of coverage at an affordable rate but still have enough coverage for asset protection.
Steps to buying affordable Volkswagen CC insurance in Oklahoma City
The easiest way to get budget Volkswagen CC insurance in Oklahoma City is to regularly compare prices from insurance carriers that insure vehicles in Oklahoma.
First, try to learn about individual coverages and the modifications you can make to prevent rate increases. Many things that result in higher rates such as accidents, traffic tickets, and a not-so-good credit history can be remedied by making minor changes in your lifestyle.
Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from one company like GEICO and State Farm, while independent agents can provide rate quotes for a wide range of insurance providers.
Third, compare the new quotes to your existing coverage to see if a cheaper rate is available in Oklahoma City. If you can save some money, make sure there is no lapse in coverage.
Fourth, provide proper notification to your current company of your decision to cancel your current coverage and submit the signed application along with the required initial payment to your new insurance company. Once received, put the certificate verifying proof of insurance in your vehicle’s glove compartment or console.
An important bit of advice to remember is to try to use the same deductibles and limits on each quote request and and to get rate quotes from all possible companies. Doing this guarantees an accurate price comparison and plenty of rates choose from.
More detailed car insurance information is available in these articles:
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- Who Has Affordable Oklahoma City Car Insurance Rates for a Subaru Outback? (FAQ)
- What Car Insurance is Cheapest for Single Moms in Oklahoma City? (FAQ)
- How Much are Car Insurance Rates for a Toyota Corolla in Oklahoma City? (FAQ)
- How Much are Auto Insurance Rates for a Jeep Grand Cherokee in Oklahoma City? (FAQ)
- Who Has Affordable Auto Insurance Rates for a 20 Year Old Male in Oklahoma City? (FAQ)
- Smart Auto Insurance Tips (Insurance Information Institute)
- Vehicle Insurance (Wikipedia)